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Betterment LLC Portfolio holdings
AUM
$59.1B
1-Year Est. Return
18.41%
This Fund
S&P 500
This Quarter
Est. Return
+1.79%
1 Year Est. Return
+18.41%
3 Year Est. Return
+46.26%
5 Year Est. Return
+34.87%
10 Year Est. Return
+109.51%
AUM
$52.5B
AUM Growth
+$1.89B
(+3.7%)
Cap. Flow
+$992M
Cap. Flow
% of AUM
1.89%
Top 10 Holdings %
Top 10 Hldgs %
68.69%
Holding
563
New
41
Increased
351
Reduced
153
Closed
12
Avg Time Held
12.3
quarters
Top 10 Avg Time Held
27.6
quarters
Top 20 Avg Time Held
26.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$401M |
| 2 |
iShares National Muni Bond ETF
MUB
|
+$176M |
| 3 |
iShares Core US Aggregate Bond ETF
AGG
|
+$169M |
| 4 |
Vanguard Emerging Markets Government Bond ETF
VWOB
|
+$90.7M |
| 5 |
Vanguard FTSE Developed Markets ETF
VEA
|
+$69.9M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard Morningstar Total Stock Market ETF
VTI
|
+$203M |
| 2 |
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
|
+$73.8M |
| 3 |
iShares Core S&P Total US Stock Market ETF
ITOT
|
+$38.2M |
| 4 |
iShares Fallen Angels USD Bond ETF
FALN
|
+$31.4M |
| 5 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$23.2M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.91% |
| 2 | Technology | 0.04% |
| 3 | Communication Services | 0.01% |
| 4 | Consumer Discretionary | 0.01% |
| 5 | Financials | 0.01% |
| Name | Market Value | Portfolio Weight | Shares or Principal |
Change in Stake | Capital Flow | Held Since | |
|---|---|---|---|---|---|---|---|
451
PIMCO Intermediate Municipal Bond Active Exchange-Traded Fund
MUNI
$3.2B
| $393K | ﹤0.01% |
7,499
+632
| +9% | +$33.2K |
2024 Q2
6 quarters
|
|
452
Invesco S&P International Developed Low Volatility ETF
IDLV
$319M
| $392K | ﹤0.01% |
+11,554
| New | +$388K |
2025 Q4
0 quarters
|
|
453
JPMorgan Active Bond ETF
JBND
$8.83B
| $381K | ﹤0.01% |
7,039
+700
| +11% | +$38K |
2025 Q3
1 quarter
|
|
454
iShares International Select Dividend ETF
IDV
$8.13B
| $380K | ﹤0.01% |
9,633
+89
| +0.9% | +$3.37K |
2025 Q2
2 quarters
|
|
455
State Street SPDR Bloomberg Enhanced Roll Yield Commodity Strategy No K-1 ETF
CERY
$1.13B
| $378K | ﹤0.01% |
13,229
-106
| -0.8% | -$3.11K |
2025 Q2
2 quarters
|
|
456
Opus Small Cap Value ETF
OSCV
$626M
| $377K | ﹤0.01% |
10,176
+1,680
| +20% | +$62.9K |
2025 Q2
2 quarters
|
|
457
iShares ESG Advanced MSCI USA ETF
USXF
$1.47B
| $376K | ﹤0.01% |
6,537
+208
| +3% | +$12K |
2021 Q2
18 quarters
|
|
458
First Trust Senior Loan Fund ETF
FTSL
$2.49B
| $370K | ﹤0.01% |
8,072
+1,423
| +21% | +$65.2K |
2025 Q1
3 quarters
|
|
459
Adasina Social Justice All Cap Global ETF
JSTC
$300M
| $361K | ﹤0.01% |
17,790
-5,620
| -24% | -$114K |
2024 Q3
5 quarters
|
|
460
Avantis International Large Cap Value ETF
AVIV
$2.03B
| $358K | ﹤0.01% |
5,027
-250
| -5% | -$17.3K |
2025 Q2
2 quarters
|
|
461
Direxion Daily S&P 500 Bull 3x ETF
SPXL
$7.36B
| $358K | ﹤0.01% |
1,622
+57
| +4% | +$12.4K |
2025 Q3
1 quarter
|
|
462
Lockheed Martin
LMT
$119B
| $353K | ﹤0.01% |
729
+145
| +25% | +$69.4K |
2024 Q1
7 quarters
|
|
463
Invesco FTSE RAFI Developed Markets ex-US ETF
PXF
$2.91B
| $353K | ﹤0.01% |
5,384
-112
| -2% | -$7.08K |
2022 Q1
15 quarters
|
|
464
iShares Ultra Short Duration Bond Active ETF
ICSH
$8.87B
| $352K | ﹤0.01% |
6,967
-2,056
| -23% | -$104K |
2024 Q1
7 quarters
|
|
465
Walt Disney
DIS
$188B
| $350K | ﹤0.01% |
3,074
+821
| +36% | +$90.4K |
2024 Q1
7 quarters
|
|
466
ProShares UltraPro QQQ
TQQQ
$38.8B
| $350K | ﹤0.01% |
6,638
-254
| -4% | -$13.7K |
2025 Q3
1 quarter
|
|
467
Ross Stores
ROST
$72B
| $345K | ﹤0.01% |
1,914
-52
| -3% | -$8.68K |
2024 Q2
6 quarters
|
|
468
Invesco California AMT-Free Municipal Bond ETF
PWZ
$1.15B
| $343K | ﹤0.01% |
+14,204
| New | +$344K |
2025 Q4
0 quarters
|
|
469
iShares S&P Small-Cap 600 Value ETF
IJS
$7.55B
| $340K | ﹤0.01% |
2,989
-17
| -0.6% | -$1.91K |
2023 Q3
9 quarters
|
|
470
abrdn Physical Palladium Shares ETF
PALL
$603M
| $340K | ﹤0.01% |
11,690
+1,890
| +19% | +$50.9K |
2025 Q3
1 quarter
|
|
471
iShares ESG Aware 1-5 Year USD Corporate Bond ETF
SUSB
$1.29B
| $339K | ﹤0.01% |
13,447
-437
| -3% | -$11K |
2021 Q2
18 quarters
|
|
472
Cummins
CMI
$73.1B
| $334K | ﹤0.01% |
655
-18
| -3% | -$8.41K |
2024 Q3
5 quarters
|
|
473
Visa
V
$735B
| $331K | ﹤0.01% |
945
+2
| +0.2% | +$681 |
2024 Q2
6 quarters
|
|
474
iShares A.I. Innovation and Tech Active ETF
BAI
$14.3B
| $330K | ﹤0.01% |
9,921
+1,598
| +19% | +$55.4K |
2025 Q2
2 quarters
|
|
475
State Street SPDR MSCI ACWI Climate Paris Aligned ETF
NZAC
$197M
| $328K | ﹤0.01% |
+7,649
| New | +$327K |
2025 Q4
0 quarters
|
|
Similar funds
TI
Betterment LLC's Q4 2025 Portfolio in Review
As of Q4 2025, Betterment LLC held 563 positions worth $52.5B, up 3.7% from $50.6B the previous quarter. Its ten largest holdings account for 69% of the portfolio.
Betterment LLC's Q4 2025 filing shows 41 new, 351 increased, 153 reduced and 12 closed positions. Its largest new stake was BlackRock ETF Trust II iShares AAA CLO Active ETF: 324,160 shares worth $16.8M. The largest sale was Vanguard Morningstar Total Stock Market ETF, an estimated $203M.
By sector, the portfolio is most concentrated in Miscellaneous at 100% of assets, down from 100% a quarter earlier, followed by Technology and Communication Services.
- Betterment LLC's largest Q4 2025 buy was BlackRock ETF Trust II iShares AAA CLO Active ETF: 324,160 shares worth $16.8M.
- Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q4 2025, an estimated $401M increase.
- Betterment LLC's biggest Q4 2025 reduction was Vanguard Morningstar Total Stock Market ETF, cutting an estimated $203M.
- Betterment LLC fully exited iShares Fallen Angels USD Bond ETF in Q4 2025, selling an estimated $31.4M.
- Betterment LLC's ten largest holdings make up 69% of its $52.5B portfolio in Q4 2025.
- Betterment LLC opened 41 new positions and closed 12 in Q4 2025.
- Betterment LLC's portfolio value rose 3.7% quarter-over-quarter to $52.5B.
Based on Betterment LLC's 13F filing for Q4 2025, filed 12 Feb 2026.